1. After the 6-month expiration of Lufax’s “Golden Money Plan”, it will not be renewed. The interest will be fixed every month for the remaining 30 months...

Repayment

2. Repayment method of Chengde Bank’s e-financing

The repayment method of Chengde Bank’s e-financing is equal principal and equal principal and interest. Xiangerong is a new online personal credit loan product launched by Chengde Bank. It does not require any guarantee or mortgage. You only need your ID card to apply. One-click loan, fast credit, multiple repayment methods, support Borrow and repay at any time, with a maximum limit of 200,000 yuan.

The difference between equal amounts of principal and equal amounts of principal and interest

Equal amounts of principal and interest repayment, also known as regular interest payments, means that the borrower repays the loan principal and interest in equal amounts every month, of which the monthly loan interest It is calculated based on the remaining loan principal at the beginning of the month and is settled monthly. Add the total principal and interest of the mortgage and spread it evenly over each month of the repayment term.

Equal principal repayment, also known as the interest-following principal repayment method, equal principal repayment method, the lender will spread the principal to each month, and at the same time pay off the principal from the previous trading day. Interest between the two repayment dates. Compared with equal principal and interest, this repayment method has a lower total interest expense, but the principal and interest paid in the early stage are larger, and the repayment burden decreases month by month.

In the equal-amount principal and interest repayment method, the repayment amount in each period is the same, that is, the total monthly principal plus interest is the same. The borrower has a balanced loan repayment pressure, but the interest burden is relatively high. The monthly principal is the same, the interest gradually decreases, and the early repayment pressure is high, but the subsequent repayment amount gradually decreases, and the total interest burden is less.

3. Is Chengde Bank’s e-financing reliable?

"Xiang e Rong" is a new online personal credit loan product launched by Chengde Bank. It does not require any guarantee or mortgage. You only need your ID card to apply. You can borrow with one click and get your money quickly. , a variety of repayment methods, supporting borrowing and repaying at any time, with a maximum limit of 200,000 yuan and a minimum daily interest rate of 0.015, providing maximum benefits and convenience to small business owners and individual customers in need. This series of online loan products also includes certificates of deposit. The pledge-type "deposit e-financing" and the financial management pledge-type "financial e-financing" not only provide customers with various forms of credit services, but also protect customers' deposit certificates and financial management interest income.

PS: Required. Please note that the application for Xiange Rong is currently based on invitation. If you have not received the invitation text message yet, please apply directly at the branch of Chengde Bank or invite the application through the account manager.

Application conditions:

1. The applicant must be over 18 years old and be able to provide legal identity information;

2. The applicant has good credit rating

3. Application. The person has a stable job and economic income, and the applicant has full capacity for civil conduct.

Required information: ID card, facial recognition, basic personal information, contact person, work information, residential address, bank card. Binding

Application Guide:

1. This product has actually been online for some time, but it has only been hyped recently. The main reason is because the product is currently being promoted. period, so there are many account managers who can import the documents, which is what intermediaries call the whitelist mode.

2. It is understood that the pass rate of this product is indeed pretty good, but it is a regional bank product after all. , although foreign customers can also import products through the whitelist, the pass rate for foreign customers is definitely not as high as that of local customers. There is no need to question this.

3. The product is an invitation-only product, if you register. If it later shows that it is not open, you can only import it through offline outlets or invite the whitelist through the account manager. Of course, this is just for importing. As for whether to make a payment, it mainly depends on your personal qualifications

4. What is Chengde Bank’s Xiangerong?

As the name suggests, Xiangerong is a series of online banking software issued by Chengde Bank. From the search information, we can know that this product is from Chengde Bank. An online personal credit loan software independently launched is also a smart software launched to accelerate the digital transformation strategy.

This software has many more conveniences than previous office software. It can be used without guarantees and mortgages, and the operation is not difficult. The payment speed is also very fast. The interest rate is relatively low and you can borrow and repay at any time. Compared with offline loans, online loans are more convenient. The operation is more convenient, fast and saves time and effort.